The Wilmington Savings Bank: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
On its Q3 2026 filing, The Wilmington Savings Bank reported 11 of the 12 line items on this page. It did not report cost of borrowings. Yield on earning assets was 4.70% in Q3 2026, up 0.52 percentage points from 4.18% in Q3 2025. Across the 12 quarters shown it ranged from 3.87% (Q4 2023) to 4.70% (Q3 2026).
In Q3 2026, Yield on loans edged up by 0.21 percentage points, from 4.75% to 4.96%, the largest move among the key lines here. The Wilmington Savings Bank has the 12th lowest net interest margin of the 154 banks headquartered in Ohio, at 2.57% as of Q3 2026. The Wilmington Savings Bank reported 2.57% on net interest margin for Q3 2026, 1.42 points below the 3.99% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 4.70% |
| Yield on loans | 4.96% |
| Yield on securities | 3.56% |
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Funding costs
Cost of funds moved most in this table, up 0.09 points: 2.30% in Q2 2026, 2.39% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 2.39% |
| Cost of interest-bearing deposits | 2.63% |
| Cost of interest-bearing liabilities | 2.63% |
| Cost of borrowings | — |
Spread and margin
Largest change in this table: net interest margin, up 0.10 points to 2.57% in Q3 2026 after 2.47% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 2.57% |
| Yield to cost spread | 2.07% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.4M |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | 3.87% | 2.47% | 1.66% | 3.91% | 1.47% |
| Q1 2024 | 3.99% | 2.54% | 1.67% | 4.08% | 1.58% |
| Q2 2024 | 4.17% | 2.91% | 1.52% | 4.30% | 2.00% |
| Q3 2024 | 4.27% | 2.56% | 1.95% | 4.29% | 3.46% |
| Q4 2024 | 4.47% | 2.35% | 2.33% | 4.57% | 3.39% |
| Q1 2025 | 4.19% | 2.13% | 2.24% | 4.32% | 3.37% |
| Q2 2025 | 4.46% | 2.11% | 2.54% | 4.59% | 3.42% |
| Q3 2025 | 4.18% | 2.44% | 1.96% | 4.40% | 3.45% |
| Q4 2025 | 4.51% | 2.29% | 2.41% | 4.67% | 3.48% |
| Q1 2026 | 4.23% | 2.13% | 2.29% | 4.38% | 3.49% |
| Q2 2026 | 4.57% | 2.30% | 2.47% | 4.75% | 3.52% |
| Q3 2026 | 4.70% | 2.39% | 2.57% | 4.96% | 3.56% |
The Wilmington Savings Bank yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full The Wilmington Savings Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 31539) · FFIEC NIC profile (RSSD 87476)